We all have to start somewhere when it comes to managing your money and your finances. It is never too late to get educated and learn how to change your habits and become a savvy investor.

The following apps will help you to be clear where you are right now and establish a plan to achieve your future goals. The time is NOW! By the way, I am in no way associated with any of these apps, I personally use them and that is why I am recommending them.

CREDIT KARMA

This free app will allow you to see your credit and your credit scores. I do have to clarify that the credit scores that are showing here is based on Vantage Score and not on FICO, Beacon or Empirica. So the scores are going to be a little different than if you are applying for a home because they use a different numeric factor. However, this is a good start to know where you are at and also determine if there are any mistakes in your report that you can even handle directly...

In the midst of Hurricane Season and Fire Season and even Earthquake Season, it is important to ask ourselves these questions. The word EMERGENCY broke it down pretty well. We need to have funds for any unexpected events. This should be liquid assets that are readily available.

When a hurricane is approaching an area, most individuals are subject to hours of preparation, which means an increment of expenses, by having to buy extra nonperishable food, supplies like flashlights, candles, plywood, and of course water. This also means hours of loss of work time. If you do not evacuate the area, you can lose your car, your home will also incur in damages and that is without counting personal items that could be lost due to wind or water damage.

Fire is something very unexpected as well. How about insurance protection for flooding,...

"What does success look like?" This is the question that my Business Coach asked me this past weekend as we were together in a room of amazing entrepreneurs at heart. The energy in the room was so positive, heart-centered, energy, and motivation.

When I heard that question, I felt a deep heaviness inside me and then right after, I felt a burning desire to take the leap and stop living within my comfort zone and do what I knew I was capable of achieving.

I would like to ask you the same question. What does success look like to YOU?

I would like you to close your eyes for a moment and visualize that success looks to you. It could be not having a 9-5 job, maybe a successful business, maybe been able to travel more, or not to have to worry when to work. Probably success is starting a family or have more time with your kids. Or create an empire and be recognized on TV, Radio or Stages. Again, just take a moment and think what...

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Don't forget to grab the 20 TIPS TO SPEND LESS AND SAVE MORE MONEY PDF? By just making a few small changes you can put yourself in a better position financially in just a few days and achieve your bigger and more important goals.